Can I Have Multiple Health Insurance Plans?
Posted: March 10, 2021
Can I Have Multiple Health Insurance Plans?Yes, it is perfectly legal to have more than one health insurance plan. With the coordination of benefits, it can work to your advantage. If you have access to two health insurance plans, it can increase your coverage and save you money. Why Do Some People Have More Than One Health Plan? People can end up with more than one health plan in a variety...
Preparing for the Life Insurance Examination
Posted: March 7, 2021
Preparing for the Life Insurance ExaminationThe healthier you are, the lower the risk for the life insurance company. This is why they usually require a medical exam before issuing a policy. Great results on your examination can help you lock in lower life insurance rates for years to come. Get ready for your life insurance exam with the following tips. Start Preparing Weeks Before Your Exam Some simple dietary changes...
Am I Required to Provide My Employees with Short-Term or Long-Term Disability?
Posted: February 28, 2021
Am I Required to Provide My Employees with Short-Term or Long-Term Disability?Short-term disability insurance provides some income replacement when a non-work-related illness or injury leaves an employee unable to work for a limited time period. Long-term disability insurance serves the same purpose, only for longer periods of time, ranging from two years to retirement age, depending on the policy. No law requires employers to offer long-term disability insurance to employees. However, five states and Puerto Rico...
Quick Exercises for Busy Lifestyles
Posted: February 25, 2021
Quick Exercises for Busy LifestylesWe all know we need exercise to look and feel better. But it can be difficult (or seemingly impossible) to fit into a busy lifestyle. Here are some ways to get your body moving, no matter how hectic your schedule may be. Move Around While You Talk On the Phone Pick up the phone instead of texting or emailing, and move around while you talk....
Does My Spouse Need Life Insurance if He or She Doesn’t Work?
Posted: February 22, 2021
Does My Spouse Need Life Insurance if He or She Doesn’t Work?When one spouse is the primary breadwinner, it is obvious why that person needs life insurance to protect the family. But a stay-at-home spouse needs life insurance, as well. Just because a person is not working at a paying job, that does not mean he or she lacks financial value. Consider what it would cost to pay another person for the services a stay-at-home spouse...